Central Valley Private Lenders for Owner-Occupied Homes

Are you seeking a private loan to be secured by a primary residence or second home in the Central Valley? On this page you'll find a list of direct private lending companies that offer loans for an owner-occupied home purchase, refinance or equity cash out in the Central Valley. Although private lending is mainly for investment properties, California has some exceptions in their lending laws which makes it possible for private lenders to serve homeowners. The key factors to qualify are sufficient equity and the ability to repay. The maximum loan-to-value is 65% for a refinance and 70% for a purchase. When you cash out equity and the funds are for personal use, private lenders will require income verification. If the funds are to be used for a business or real estate investment, private lenders typically don't verify the borrower's personal income. California private lenders also offer loans to help homeowners finance the purchase of a new home before selling their existing home, so long as there is sufficient equity.